With seniors, even a minor incident can lead to serious injury. An elderly person’s slip-and-fall accident or an accusation of negligence could financially devastate your facility. Senior center insurance covers the costs of lawsuits and accidents that might otherwise put you out of business.
These policies provide coverage for the most common risks of senior centers.
General liability insurance covers third-party risks, such as a senior tripping on a rug and breaking a hip. Bundle with property insurance for savings in a business owner’s policy.
A business owner's policy, or BOP, is a cost-effective way for senior centers to buy general liability insurance and commercial property insurance together.
This policy, also called errors and omissions insurance (E&O), can cover expenses if your senior center is sued for negligence, such as failure to supervise a client with dementia.
Directors and officers insurance (D&O) covers legal expenses if a board member or officer is sued for a decision made on behalf of your senior center that led to financial loss.
Most states require workers' compensation for senior centers that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
Commercial auto insurance provides coverage when an accident involving your senior center's vehicle leads to an injury or property damage.
It's easy to get senior center insurance policies if you have your company information on hand. Our application will ask for basic facts about your business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
Insureon's licensed insurance agents work with top-rated U.S. providers to find the right insurance coverage for your senior center, whether you work independently or hire employees.